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Live Within Your Means
Spend Less than you make. This should be the goal if you are in debt or if you want to stay out of debt.
"I don't know where my money goes. It seems to be gone before I know it." If this is you, start tracking where your money goes. If you don't use a register to track your money, try checking your bank statement for the last month to see where you are spending your money. Also, check your credit card statements to see where you are spending.
Tracking your money will tell you where you spend it. If you know where you spend your money, then you can identify where you might be overspending.
Then, make a budget. If you have more going out than coming in each month (including credit card charges), you now know where your money is going and you can see where you can cut back. Common overspending areas are entertainment, eating out, and electronic upgrades.
I can help you find where your money goes every month and make a plan to stop overspending and live within your means.
You can master your money... and I can help!
Contact Michelle Serna by filling out the Contact Me form
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